Reality Me

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I’ve been beating it around for years. Right now I’m more on the line than ever. Freelance means cash flow problems and that means to best succeed you need 6 months salary in the bank and no debt. That formula will get you through any ups and downs.

I love working from the house because I can be very involved in my family’s lives and can work in a style that best suits me but without the backing of a regular paycheck I can’t do fun things like replace the car. Going into a bank and saying “Yes, I work for myself, am in debt up to my eye balls, as a matter of fact the IRS does hold a lien against me, this month I might make $0 but next month I might make $12,000” doesn’t convince them to give you a loan. Throwing in “and I’m a good person” might get you a snide “yeah, sure.”

Going to work for “the man” could mean significantly less money but I could have certain things regularly drafted from bank or paycheck and start cleaning up my mess. Insurance would be a big plus. And if I wanted to take a couple of years off from the family, I supposed I could still consult in the evenings provided it did not conflict with company policy.